2026 conforming loan limits · Alabama
All 67 counties in Alabama use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Alabama at a glance
| Metric | Value |
|---|---|
| Counties | 67 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 67 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Alabama carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Autauga County | MONTGOMERY, AL | $832,750 | $541,287 | $291,463 |
| Baldwin County | DAPHNE-FAIRHOPE-FOLEY, AL | $832,750 | $541,287 | $291,463 |
| Barbour County | EUFAULA, AL-GA | $832,750 | $541,287 | $291,463 |
| Bibb County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Blount County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Bullock County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Butler County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Calhoun County | ANNISTON-OXFORD, AL | $832,750 | $541,287 | $291,463 |
| Chambers County | LAGRANGE, GA-AL | $832,750 | $541,287 | $291,463 |
| Cherokee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Chilton County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Choctaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clarke County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cleburne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Coffee County | ENTERPRISE, AL | $832,750 | $541,287 | $291,463 |
| Colbert County | FLORENCE-MUSCLE SHOALS, AL | $832,750 | $541,287 | $291,463 |
| Conecuh County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Coosa County | TALLADEGA-SYLACAUGA, AL | $832,750 | $541,287 | $291,463 |
| Covington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Crenshaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cullman County | CULLMAN, AL | $832,750 | $541,287 | $291,463 |
| Dale County | OZARK, AL | $832,750 | $541,287 | $291,463 |
| Dallas County | SELMA, AL | $832,750 | $541,287 | $291,463 |
| Dekalb County | FORT PAYNE, AL | $832,750 | $541,287 | $291,463 |
| Elmore County | MONTGOMERY, AL | $832,750 | $541,287 | $291,463 |
| Escambia County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Etowah County | GADSDEN, AL | $832,750 | $541,287 | $291,463 |
| Fayette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Franklin County | RUSSELLVILLE, AL | $832,750 | $541,287 | $291,463 |
| Geneva County | DOTHAN, AL | $832,750 | $541,287 | $291,463 |
| Greene County | TUSCALOOSA, AL | $832,750 | $541,287 | $291,463 |
| Hale County | TUSCALOOSA, AL | $832,750 | $541,287 | $291,463 |
| Henry County | DOTHAN, AL | $832,750 | $541,287 | $291,463 |
| Houston County | DOTHAN, AL | $832,750 | $541,287 | $291,463 |
| Jackson County | SCOTTSBORO, AL | $832,750 | $541,287 | $291,463 |
| Jefferson County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Lamar County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lauderdale County | FLORENCE-MUSCLE SHOALS, AL | $832,750 | $541,287 | $291,463 |
| Lawrence County | DECATUR, AL | $832,750 | $541,287 | $291,463 |
| Lee County | AUBURN-OPELIKA, AL | $832,750 | $541,287 | $291,463 |
| Limestone County | HUNTSVILLE, AL | $832,750 | $541,287 | $291,463 |
| Lowndes County | MONTGOMERY, AL | $832,750 | $541,287 | $291,463 |
| Macon County | AUBURN-OPELIKA, AL | $832,750 | $541,287 | $291,463 |
| Madison County | HUNTSVILLE, AL | $832,750 | $541,287 | $291,463 |
| Marengo County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marion County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Marshall County | ALBERTVILLE, AL | $832,750 | $541,287 | $291,463 |
| Mobile County | MOBILE, AL | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | MONTGOMERY, AL | $832,750 | $541,287 | $291,463 |
| Morgan County | DECATUR, AL | $832,750 | $541,287 | $291,463 |
| Perry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pickens County | TUSCALOOSA, AL | $832,750 | $541,287 | $291,463 |
| Pike County | TROY, AL | $832,750 | $541,287 | $291,463 |
| Randolph County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Russell County | COLUMBUS, GA-AL | $832,750 | $541,287 | $291,463 |
| St. Clair County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Shelby County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Sumter County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Talladega County | TALLADEGA-SYLACAUGA, AL | $832,750 | $541,287 | $291,463 |
| Tallapoosa County | ALEXANDER CITY, AL | $832,750 | $541,287 | $291,463 |
| Tuscaloosa County | TUSCALOOSA, AL | $832,750 | $541,287 | $291,463 |
| Walker County | BIRMINGHAM, AL | $832,750 | $541,287 | $291,463 |
| Washington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wilcox County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Winston County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Autauga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baldwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Barbour County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bibb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blount County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bullock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chambers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Choctaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleburne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Colbert County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Conecuh County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Covington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crenshaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cullman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dallas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Escambia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Etowah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Geneva County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lamar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lauderdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Limestone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lowndes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marengo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mobile County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Russell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Talladega County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tallapoosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tuscaloosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilcox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)